2014 Subaru Legacy Car Insurance Quotes

Paying for high-priced Subaru Legacy insurance can drain your savings account, especially in this economy. Shopping your coverage around is free, only takes a few minutes, and is a good way to help make ends meet. You have so many car insurance companies to insure vehicles with, and although it’s nice to have multiple companies, it can be more difficult to compare company pricing.

You need to do rate comparisons every six months due to the fact that insurance rates are variable and change quite frequently. Even if you think you had the best deal for Legacy coverage last year you can probably find a better price now. You can find a lot of misleading information regarding insurance coverage online but we’re going to give you some good information on how to quit paying high insurance coverage rates.

Insurance Coverage Comparisons

There are a variety of methods to compare 2014 Subaru Legacy insurance coverage quotes, but one way is less time-consuming than others. You can waste a few hours (or days) discussing policy coverages with agents in your area, or you can stay home and use online quoting to get rate comparisons in just a few minutes.

All the larger companies take part in a program where prospective buyers complete one form, and each participating company can provide price quotes for coverage. This eliminates the need for quotation requests for every insurance coverage company.

To fill out one form to compare multiple rates now click here (opens in new window).

The one downside to comparing rates this way is buyers cannot specifically choose the providers you want pricing from. So if you prefer to pick specific insurance companies to compare prices, we put together a list of the cheapest insurance coverage companies in your area. Click to view list.

It’s your choice how you get your quotes, but compare exactly the same deductibles and coverage limits on every quote you get. If your comparisons have mixed coverages it will be next to impossible to determine the best price for your Subaru Legacy.

Best discounts on 2014 Subaru Legacy coverage

Companies that sell car insurance don’t necessarily list all their discounts in an easy-to-find place, so here is a list some of the more common as well as the least known insurance coverage savings. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Military Rewards – Being deployed with a military unit could be rewarded with lower premiums.
  • Safe Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates for Legacy coverage than drivers with accidents.
  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
  • New Car Discount – Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
  • Memberships – Being a member of a civic or occupational organization may earn a discount on insurance coverage for Legacy coverage.

Drivers should understand that some of the credits will not apply to all coverage premiums. Most only apply to the cost of specific coverages such as medical payments or collision. So when it seems like all the discounts add up to a free policy, companies don’t profit that way.

Companies that may offer these benefits may include but are not limited to:

Before buying, ask each insurance company which discounts they offer. Savings may not apply in your area.

Tailor your coverage to you

When choosing adequate coverage for your vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different so this has to be addressed. These are some specific questions might point out if your situation would benefit from an agent’s advice.

  • How much underlying liability do I need for an umbrella policy?
  • Is my 2014 Subaru Legacy covered for flood damage?
  • Are my tools covered if they get stolen from my vehicle?
  • When should I remove comp and collision on my 2014 Subaru Legacy?
  • Where can I get insurance after a DUI in my state?
  • How much can I save by bundling my policies?
  • Which companies will insure high-risk drivers?
  • Does my medical payments coverage pay my health insurance deductible?
  • Should I buy more coverage than the required minimum liability coverage?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

Impacting insurance rates for a Subaru Legacy

It’s important that you understand the different types of things that come into play when calculating the rates you pay for insurance coverage. Having a good understanding of what impacts premium levels helps enable you to make changes that can help you get lower insurance coverage prices.

The list below includes a few of the “ingredients” that factor into your rates.

  • Men pay higher rates – Statistics show women tend to be less risk to insure than men. Now that doesn’t mean men are worse drivers. Both sexes tend to get into accidents at about the same rate, but the men tend to have more serious accidents. Men also statistically get more serious tickets like reckless driving and DUI.
  • A lapse in coverage is a bad thing – Letting your insurance expire will be a fast way to increase your insurance coverage rates. And not only will your rates increase, failure to provide proof of insurance will get you a hefty fine and possibly a revoked license.Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Occupation reflects on rates – Occupations such as judges, architects and financial analysts are shown to have higher average rates because of stressful work requirements and lots of time spent at work. Conversely, professions such as farmers, engineers and the unemployed pay the least for Legacy coverage.
  • Bundling policies can get discounts – The majority of companies give discounts to policyholders who buy several policies from them in the form of a multi-policy discount. If you currently are using one company, it’s still a good idea to shop around to verify if the discount is saving money. Consumers may find a better deal by buying insurance coverage from a different company.
  • Small claims can cost you – If you are a frequent claim filer, you can definitely plan on either policy cancellation or increased premiums. Insurance companies give lower rates to people who do not rely on their insurance for small claims. Your insurance policy is meant to be used in the event of major claims that would cause financial hardship.
  • Teen drivers pay high rates – More mature drivers are viewed as being more responsible, file fewer claims and tend to be better behind the wheel. Youthful drivers have a tendency to be careless and easily distracted when driving and because of this, their insurance coverage rates are much higher.

Information about specific coverages

Learning about specific coverages of insurance helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy. These are the usual coverages available from insurance companies.

Coverage for collisions

This coverage will pay to fix damage to your Legacy from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like colliding with another moving vehicle, crashing into a building, colliding with a tree and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like hospital visits, doctor visits, funeral costs and EMT expenses. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Comprehensive insurance

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, a broken windshield, damage from a tornado or hurricane, fire damage and rock chips in glass. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability coverages

Liability coverage provides protection from damages or injuries you inflict on other’s property or people by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things such as funeral expenses, loss of income and repair costs for stationary objects. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Saving money makes a lot of cents

We just covered a lot of ways to get a better price on 2014 Subaru Legacy insurance. The most important thing to understand is the more times you quote, the better likelihood of reducing your rate. Consumers could even find that the biggest savings come from the smaller companies. Smaller companies often have lower prices on specific markets than the large multi-state companies such as Allstate or State Farm.

As you restructure your insurance plan, you should never skimp on critical coverages to save a buck or two. In too many instances, someone dropped uninsured motorist or liability limits only to regret that the few dollars in savings costed them thousands. Your strategy should be to find the BEST coverage at the best price while not skimping on critical coverages.

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